def recommend_product_by_profile(profile: str) -> str:
    recommendations = {
        "newbie": "新手专享理财产品：1元起投，7天体验标，适合首次尝试投资。",
        "high_net_worth": "定制资产配置组合：包含优质私募基金+美元债+黄金ETF，年化预期收益8%-12%。",
        "conservative": "保本型货币基金：T+0灵活赎回，七日年化收益2.5%，风险等级R1。",
        "scenario_based": "限时返现理财产品：投资满1000元立减20元，收益当日到账。"
    }
    return recommendations.get(profile, "热门理财产品推荐：稳健增长型基金，适合各类投资者。")